Summary
Overview
Work History
Education
Skills
Timeline
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Melissa Delgado-Salazar

7804 Enchanted Park,TX

Summary

Experienced professional with a proven track record in banking, excelling in lending operations and compliance. Adept at streamlining processes and enhancing team performance through effective training. Strong attention to detail and excellent communication skills drive successful loan document preparation and audit readiness. Known for reliability, loyalty and strong focus on delivering impactful outcomes.

Overview

19
19
years of professional experience

Work History

AVP Loan Operations (Document Preparation)

First American Bank of New Mexico
02.2023 - 02.2025
  • Supervised the document preparation team in the loan operations department. Prepare loan document for approved requests for 17 branches.
  • Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
  • Prepared large volume of loan requests pertaining to TRID regulations such as Loan Estimates, Closing Disclosures, HELOC’s, Refinancing and HMDA reportable requests.
  • Maintained communication between lenders and lender assistants.
  • Managed the bank Flood File to ensure adequate coverage and compliance.

AVP of Loan Operations

United Bank of El Paso Del Norte
09.2017 - 02.2023
  • Oversaw the loan operations team for the bank and all duties of the department. Streamlined training methods of new Loan Operations Assistants and provided ongoing training and mentorship for existing team members.
  • Adhere to current bank regulations regarding Commercial/Construction Real Estate transactions.
  • Daily monitoring of loan files and outstanding exceptions.
  • Ensured all emails sent to the department were processed thoroughly and promptly and not to surpass end of day.
  • Managed bank's SBA loan portfolio and submitted monthly 1502 report.
  • Prepared monthly board reports pertaining to loan portfolio. Attended weekly loan committee meetings and Risk Management meetings.
  • Served as point of contact for audits and federal bank exams in regards to the loan files.

Assistant Manager of Loan Operations

United Bank of El Paso Del Norte
06.2016 - 09.2017
  • Supervised day-to-day operations to meet performance, quality and service expectations of the Loan Operations Assistants.
  • Assisted the AVP of Loan Operations in monitoring productivity of the department. Ensured loan transactions were in balance at the end of each work day.
  • Developed strong working relationships with staff, fostering a positive work environment.
  • Processed approximately 40-50 loan requests thoroughly from approval to closing and funding, while monitoring existing loans on the books on a monthly basis.

Loan Operations Assistant

United Bank of El Paso Del Norte
06.2010 - 06.2016
  • Prepared internal loan documents for approved requests (commercial, real estate, equipment, construction requests). Ordered attorney prepared loan documents.
  • Streamlined and coordinated loan closings with the title company. Balanced closing/settlement sheets for fees due at closing.
  • Funded/wire transferred loan proceeds upon loan closings.
  • Prepared and filed releases of liens for real estate collateral.
  • Perfected liens for UCC-1 filings, recorded deeds of trusts and mortgages with the county. Reviewed title searches, title commitments, appraisals, real estate evaluations, environmental surveys, attorney prepared documentations.
  • Ensured the loan file was complete to include business organizational documents, completed file with proper identification, financial statements, tax returns, beneficial ownership information.
  • Maintenance of existing loan files and processed corrections to loan payments and/or loan fees.
  • Assisted lending officers and loan administrators with loan closings and collect any pending items prior to funding.
  • Served as a notary for the bank overall, and specifically pertaining to loan documents.

Item Processing Clerk

United Bank of El Paso Del Norte
02.2006 - 06.2010
  • Supervised the document preparation team in the loan operations department. Prepare loan document for approved requests for 17 branches.
  • Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
  • Prepared large volume of loan requests pertaining to TRID regulations such as Loan Estimates, Closing Disclosures, HELOC’s, Refinancing and HMDA reportable requests.
  • Maintained communication between lenders and lender assistants.
  • Managed the bank Flood File to ensure adequate coverage and compliance.

Education

BBA - Finance

University of Texas At El Paso
El Paso, TX
05-2016

Skills

  • Ability to multi-task and prioritize assignments
  • Organized/Precise/ Strong attention to detail
  • Motivated and focused
  • Excellent written and verbal communication skills
  • Team player and posses the initiative to lend a helping hand when needed
  • Strong ability to problem solve

Timeline

AVP Loan Operations (Document Preparation)

First American Bank of New Mexico
02.2023 - 02.2025

AVP of Loan Operations

United Bank of El Paso Del Norte
09.2017 - 02.2023

Assistant Manager of Loan Operations

United Bank of El Paso Del Norte
06.2016 - 09.2017

Loan Operations Assistant

United Bank of El Paso Del Norte
06.2010 - 06.2016

Item Processing Clerk

United Bank of El Paso Del Norte
02.2006 - 06.2010

BBA - Finance

University of Texas At El Paso

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Melissa Delgado-Salazar